Total Assets
$287M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
RNB STATE BANK — FDIC Bank Health Profile
Rawlins, Wyoming · Est. 1898. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #2228 San Francisco Region
D
Health grade
Weak
Score: 49/100
Basel III capital ratios — RNB STATE BANK
Total Deposits
$267M
Customer-funded liabilities
Net Loans
$148M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
14.53% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
14.53%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$19M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.59%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
10.39%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
80.73%
Income & Expense Breakdown
$13M
Interest Income
$719K
Non-Interest Income
$9M
Non-Interest Expense
FDIC Deposit Insurance
RNB STATE BANK is FDIC-insured (Certificate #2228). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About RNB STATE BANK
RNB STATE BANK is an FDIC-insured institution (Certificate #2228) headquartered in Rawlins, Wyoming, established in 1898. The bank currently holds $287M in total assets and $267M in customer deposits, with $148M deployed as loans. It operates as a State chartered (State member bank) within the FDIC San Francisco region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, RNB STATE BANK reports a Tier 1 Capital Ratio of 14.53% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $19M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.59% and a Return on Equity of 10.39%, with an Efficiency Ratio of 80.73% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (49/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at RNB STATE BANK is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Wyoming by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data RNB STATE BANK (FDIC Cert #2228) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Wyoming
All Wyoming banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Pinnacle Bank - Wyoming Cody | $1.3B | B | 1.28% |
| Hilltop National Bank Casper | $1.2B | D | 1.72% |
| The Converse County Bank Douglas | $1.1B | B | 1.14% |
| First Northern Bank of Wyoming Buffalo | $894M | C | 1.13% |
| Platte Valley Bank Torrington | $783M | F | 1.46% |
| First National Bank of Gillette Gillette | $626M | F | 1.35% |
| First Federal Bank & Trust Sheridan | $611M | D | 0.43% |
| Jonah Bank of Wyoming Casper | $558M | D | 1.92% |
Frequently Asked Questions
What is RNB STATE BANK's health grade? ▼
RNB STATE BANK receives a health grade of D (49/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is RNB STATE BANK? ▼
RNB STATE BANK holds $287M in total assets and $267M in deposits. It is headquartered in Rawlins, Wyoming.
Is my money safe at RNB STATE BANK? ▼
Yes. RNB STATE BANK is FDIC-insured (Certificate #2228). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is RNB STATE BANK's Tier 1 Capital Ratio? ▼
RNB STATE BANK has a Tier 1 Capital Ratio of 14.53%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is RNB STATE BANK? ▼
RNB STATE BANK has an Efficiency Ratio of 80.73%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.